2003 Saturn ION Insurance Quotes

Paying cheap coverage rates for Driversinsurance can be nearly impossible for drivers who are beginners to comparison shopping online. With such a big selection of agents and companies, it can be a ton of work to find cheaper insurance rates.

Consumers need to get comparison quotes occasionally because prices change regularly. Even if you think you had the best rates on ION coverage a couple years back you will most likely find a better premium rate today. You can find a lot of misleading information regarding insurance on the internet, but you can learn some of the best ways to save money.

Get lower-cost car insurance quotes with discounts

Some insurers do not advertise every disount available in an easy-to-find place, so here is a list a few of the more well known in addition to some of the lesser obvious credits that may apply to you.

  • Accident Forgiveness – Not necessarily a discount, but a few companies such as State Farm, Progressive and Geico will let one accident slide before raising your premiums so long as you are claim-free for a certain period of time.
  • Organization Discounts – Being in qualifying clubs or civic groups can get you a small discount on your next car insurance statement.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Multiple Cars – Insuring multiple vehicles with the same company can reduce rates for all insured vehicles.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.
  • Accident-Free Discounts – Insureds with no claims or accidents have much lower rates when compared to accident-prone drivers.
  • Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote car insurance on ION coverage but check with your company.
  • Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.

Keep in mind that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, that’s just not realistic.

The best car insurance companies and the discounts they provide are included below.

  • State Farm may include discounts for multiple autos, good driver, anti-theft, student away at school, accident-free, multiple policy, and Steer Clear safe driver discount.
  • Geico offers discounts for driver training, federal employee, membership and employees, seat belt use, military active duty, multi-vehicle, and anti-theft.
  • Allstate includes discounts for resident student, new car, EZ pay plan discount, teenSMART discount, and senior citizen.
  • SAFECO may offer discounts for anti-theft, homeowner, teen safety rewards, multi-car, and bundle discounts.
  • Farm Bureau offers premium reductions for good student, safe driver, driver training, multi-policy, and youthful driver.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, online signing, continuous coverage, good student, and multi-policy.
  • AAA has discounts for anti-theft, education and occupation, pay-in-full, multi-policy, multi-car, and AAA membership discount.

When quoting, ask every prospective company to give you their best rates. Some of the earlier mentioned discounts may not apply everywhere. To find car insurance companies that provide some of the discounts listed above, click here.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique.

These are some specific questions could help you determine if you could use an agent’s help.

  • Is pleasure use cheaper than using my 2003 Saturn ION to commute?
  • Do I need replacement cost coverage on my 2003 Saturn ION?
  • Are split liability limits better than a combined single limit?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my custom paint covered by insurance?
  • When should I remove comp and collision on my 2003 Saturn ION?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance advertising tricks

Insurance providers like Allstate, Geico and Progressive consistently run television, radio, and online ads. They all seem to make the point that you can save if you move your coverage. How is it possible that every company can make almost identical claims? Just pay attention to how they say it.

Insurance providers provide the lowest rates for the type of driver that earns them a profit. An example of a profitable insured could be over the age of 45, owns a home, and insures a new vehicle. Anyone that meets those criteria will probably get cheap car insurance rates and as a result will probably save quite a bit of money when switching.

Insureds who do not meet the “perfect” profile will be charged a higher rate and this results in the customer not buying. The ads state “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can advertise the way they do. This illustrates why you should compare quotes as often as possible. It’s just not possible to know the company that will have the best prices at this point in time.

Insurance coverage considerations

Learning about specific coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Auto liability

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, attorney fees, medical services, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, fire damage, vandalism, a broken windshield and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays for damage to your ION caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, doctor visits, pain medications, funeral costs and surgery. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2003 Saturn ION.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

More choices the merrier

People who switch companies do it for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, high prices and not issuing a premium refund. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.

We covered many tips how you can reduce 2003 Saturn ION insurance auto insurance rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the best auto insurance rates are with a small mutual company.

Low-cost 2003 Saturn ION insurance is available on the web and from local insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer online price quotes and most of the time these small insurance companies work with independent agencies.

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